Card levels are generally divided into four categories: regular card, gold card, platinum card, and diamond card.

1. Common Card: It is a basic payment product. Card face colors will not be gold, platinum or black. There is generally no annual fee.

2. Gold card: It is a relatively high-end product among bank cards. The base color of the gold card card surface is generally metallic yellow. The English word Gold will be printed on the upper right corner of the card. Generally, the annual fee can be offset by the number of purchases. Currently, all Shanghai Pudong Development Bank gold cards and below are free of annual fees.

3. Platinum card: A high-end card with more value-added service functions than gold card. Common services include airport VIP lounges, golf services, roadside assistance, appointment registration, etc. Platinum cards generally use metallic platinum as the base color of the card, with English PLATINUM printed on the card. Generally, the annual fee cannot be reduced or reduced. Some platinum cards can reduce the annual fee through the number/amount of purchases, but some value-added services such as golf will also be canceled accordingly.

4. Diamond Card: It is the highest level bank card and can provide top value-added services to cardholders. For example, distinguished services such as airport VIP boarding, high-end hotel accommodation upgrades, free physical examinations, and personal butlers. Generally, metallic black is used as the base color of the card surface, and diamond elements are embedded in the card surface design. The annual fee is non-deductible and ranges from several thousand yuan to tens of thousands of yuan (Hao Ka).

Asset conditions for credit card platinum card application

ICBC:

The annual consumption amount of the card holder reaches 100,000 yuan and the number of transactions reaches 24 or holds Platinum credit cards from other banks; average daily deposits for more than six months (inclusive) reach 500,000 yuan (inclusive) or personal deposits reach 1 million yuan.

Minsheng Bank: annual income of RMB 200,000 or above, middle-level managers of provincial units, local top 50 or local high-quality enterprise employees;

Card application: 50,000 RMB with it (Inclusive) Credit cards with the above limit, and if you hold the card for more than half a year, you can apply for a platinum card.

Bank of China: Attach the Bank of China Platinum Credit Card application form and copies of identity documents, permanent residence certificates, and financial resources certificates to enjoy premium services.

Guangfa Bank: With an annual income of more than RMB 150,000 and assets such as real estate and vehicles under your name, online platinum card applications are supported.

CITIC Bank: Income statement, deposit certificate, real estate certificate, and vehicle certificate are required. Online application for Platinum Card is supported.

Shanghai Pudong Development Bank: All personal assets in Shanghai Pudong Development Bank’s name, including wealth management fund deposits and a series of other things, are taken into account, and the average daily amount reaches 300,000 yuan within the one-month review period.

China Construction Bank: Personal annual income of more than 300,000 yuan.

Agricultural Bank of China: Annual income of 500,000 or direct VIP customers are invited to apply for the card.

Bank of Communications: High-quality customers with Bank of Communications debit card quarterly average daily assets of 1 million or who already hold Bank of Communications credit cards.